Depending on the car you want to drive and your personal circumstances such as claims history, address, age etc, this will dictate your premium.

There are many people who need cover for just a few days while they’re changing cars, or need to borrow a car at short notice.

Trouble is, because you need the temp car insurance pretty quickly, you tend to buy with haste, and settle for the first quote you get offered. This is a big mistake. You should make some enquiries now, when you don’t need it so you have an idea of the costs involved for when you do need it.

The term you can get temporary cover over varies from just one day to maybe up to 30 days. Young people can use this type of insurance if they only need to drive a car for a short trip, or for a vacation for example.

Insurance for young people and teenagers can be very expensive, sometimes exceeding the cost of the actual car. Not many can afford these high premiums as they are still in full time education, or work in low paid jobs. So in some cases, temporary car insurance can be the only option.

These policies give young people the chance to get insurance and use a car when they would otherwise have to take public transport, or may take a cab.

Paying the fee on a temp policy for a short period saves them an enormous amount of money and gives them a service they wouldn’t ordinarily be able to afford.

There is a large number of insurance companies that specialise in offering temporary car insurance, in particular to people in high risk categories.

The premiums may be slightly higher, but at least they give the driver the opportunity to get insurance and drive their car legally.

Insurance premiums have been pushed up as a result of fraud and this has led to more people taking a chance and driving illegally without insurance.

So by going for temporary insurance, it allows the driver to remain legal and also build up a period of no claims which helps reduce future premiums.